Basic Auto Coverage - W.E. Davis Insurance

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When you select W.E. Davis Insurance Agency’s automobile coverage, you receive your financial seat belt, air bag and crash helmet all rolled into one. It protects you from financial bumps in the road.

The basics:

Bodily Injury Liability protects you against damages for which you are legally responsible because of a covered auto accident that causes bodily harm, including death, to others.

Property Damage Liability protects you against damages for which you are legally responsible because of a covered auto accident that causes damage to another person’s property.

Medical Payments Coverage pays expenses for necessary medical and funeral services for you, your family or others while riding in a covered vehicle when it is involved in an accident, regardless of who is at fault.

Some states offer Personal Injury Protection (no fault) coverage instead of or in addition to Medical Payments Coverage, however this is not the case for Ohio.

Uninsured Motorist Coverage pays for damages arising from bodily injury to you and your resident family members when another driver is legally responsible for the auto accident and does not have bodily injury liability coverage.

Underinsured Motorist Coverage pays for damages arising from bodily injury to you and your resident family members when another driver is legally responsible for the auto accident and does not have enough liability coverage to cover your bodily injury loss.

Collision Coverage pays for damage to your insured auto when you have a collision with another vehicle or object.

Other Than Collision Coverage pays for accidental direct damage to your insured auto such as fire, theft, vandalism, breakage of glass and more.

We can give you extra as well

We can offer you extra protection:

  1. $50 per day (up to $1,500 total) to rent a vehicle while yours is out of commission because of a covered collision or other than collision loss. Higher amounts are available.
  2. Glass deductible waiver for a cracked or broken windshield.
  3. Liability coverage, with no deductible, for your rental car while on vacation (so you don’t need to take that expensive Collision Damage Waiver from the rental car company.
  4. $500 death benefit each for you and your spouse (not available in all states)

Get more coverage for less

When we cover your automobile and your home, you’ll enjoy premium savings. We have companies that renew your auto policy only once a year instead of every six months, so you save another valuable commodity – your time.

Please contact our agency for details about the coverage, options, conditions and exclusions, such as the Personal Auto Plus Endorsement or Auto Replacement Cost coverage.

W.E. Davis Insurance is here for you when you need us.

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